Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so.
Spending rewards

Annual fee

Annual fee(1st yr waived)

The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.

How much do you spend on travel each month? Travel expenses can include flights, hotels, cruises, ferry boat rides, and even things like cab fares and hot air balloons in other provinces or countries! Enter an estimate here, to see how much cash back you could earn on travel expenses each month. Travel

5 points per dollar

Earn 55 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com

How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries

How many of your monthly bill payments are setup to be paid by your credit card? Would you add more, if you knew you could earn cash back on them? Estimate how much you could have coming off your credit card each month and put that number here. Bills

How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases

2 points per dollar

Earn 2 TD Rewards Points for every $1 you spend on all other purchases6

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For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

Some credit cards come with a sign-up bonus, to provide more incentive for people to sign-up and start using the card. The sign-up bonus may be in the form of points, cash, free merchandise, etc. Signup bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus

Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward

Bills

Entertainment

Gas

Groceries

Other purchases

Pharmacy

Restaurants

Travel

This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points

To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt

This is the dollar amount all your rewards will add up to. Total value

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee

The average dollar value of an individual TD Reward Point is $0.005. To see how we calculated this, click here.

How to redeem your TD Reward Points

How to Redeem

To redeem TD Points or TD Rewards Points for travel purchases charged to your Card that are booked through Expedia for TD, Cardholder can vist ExpediaForTD.com.

To redeem TD Points or TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program / TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase.

11 Must apply by December 1, 2019. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 45,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 10 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases"), grocery purchases ("Grocery Purchases") and regularly recurring bill payments ("Pre-Authorized Payments") and earn 4 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 5 TD Rewards Points for every $1 on Online Travel Purchases, earn 3 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, and Pre-authorized Payments, and earn 2 TD Rewards points ("Standard Rebate") for every $1 on all Other Purchases. To receive the additional 10,000 TD Rewards Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Rewards Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. Maximum of 3 Authorized User Cards on the Account.

3 Earn 3 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for Grocery Purchases, then any further Grocery Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Grocery Rebate: The Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Grocery Rebate, the Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery" category. Some merchants may (i) sell groceries or grocery items; or (ii) have separate merchants located on their premises that also sell groceries or grocery items; but may not be classified with a grocery MCC and such Purchases will not earn the Grocery Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 Earn 3 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5 Earn 5 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 3 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

All trade-marks are the property of their respective owners.

*Trademark of Visa International Service Association and used under license.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Card details

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee:$89

This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate:
19.99%

This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance:
22.99%

This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer:
22.99%

Eligibility

This is the annual income requirement to be eligible for this credit card. Income:
Any amount

This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income:
Any amount

Be a permanent Canadian resident

Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

Get more details

Limited Time Offer
Apply by December 1, 2019 to get an Annual Fee Rebate1 for the Primary Cardholder for the first year and earn up to 70,000 TD Rewards Points (a travel value of $350 when you book travel purchases through ExpediaForTD.com2) as follows:
Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your card1.
+
Earn 2X TD Rewards Points on all Purchases in the first three months up to a total of 45,000 TD Rewards Points1.
+
Earn 10,000 TD Rewards Points when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply1.This offer is not available for residents of Quebec. For Quebec residents, please click here.

Earn 5 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com

Earn 2 TD Rewards Points for every $1 you spend on all other purchases

Book your trip through Expedia For TD3 or any other travel provider – the choice is yours!

Choose Expedia For TD to maximize the number of TD Rewards Points you can earn on your travel purchases.

No blackouts4 or seat restrictions4 under the TD Rewards Program

A suite of travel insurance

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button.